Al Salam Insurance Services Co. LLC
Phone: +971 4 428 7400
Phone: +971 4 557 9774

Al Salam Insurance | Management - Operations Team

Ms. Vijaya Lakshmi - Manager Marine

Born in April 1981 and graduated in Masters in Mathematics from Annamalai University, India. Possess 8 years of vast experience in Marine Insurance and Claims. Effectively communicates decisions and resolve agent/customer concerns promptly.

Ms. Lakshmi provides excellent assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for all the classes of Insurance.

She has developed collaborative working relationships with clients and agencies by providing excellent customer service, which includes effective communication through phone calls and email to gather and analyze necessary information critical to the underwriting process to create business opportunities and improve policy renewal retention.

She keeps current on regulations and industry intelligence and shares this information with appropriate parties and has strong knowledge of underwriting philosophy, techniques, and regulatory compliance.

Vijaya Lakshmi
Manager Marine
D: +971 4 7061 952
M: +971 50 634 8799

Ms. Mubeen Naaz - Senior Insurance Specialist

Born in Feb 1984 and graduated in sciences from Osmania University, India in 2004. Started her career in 2007 as an Administrative Assistant with Al Salam Insurance. While continuing to work she attained Masters in Business Administration, Specialized Diploma in Marine Insurance from Insurance Institute of India and profoundly trained in Marine Insurance from Chartered Insurance Institute, London. She has broad experience in insurance industry mainly in Marine Hull & Machinery, Protection & Indemnity and claims handling.

Providing excellent-quality service to clients is one of her most important trait at work. Analyzes complex information and interpret to reach comprehensive solutions. Operates within a clearly defined level of delegated underwriting authority and refers risks of higher exposure or complexity to a senior management.

Ms. Mubeen is a self-starter, demonstrating self-discipline and strong organizational skills. She is results oriented in her assignments and capable of operating effectively in a teamwork environment. She possesses strong underwriting skills with excellent risk analysis.

Initiates contacts with national and international agencies to share and request information necessary to support the business. Maintain relationships with agencies to develop a better understanding of insurance operations.

Mubeen Naaz
Senior Insurance Specialist
D: +971 4 716 1910
M: +971 50 255 4871

RizwanaAsiff - Senior Insurance Specialist

Born in April 1968 and graduated in Masters in Arts from Madras University, India. She possess 8 years of vast experience in General Insurance mainly in Jewellers Block Insurance and General Insurance. Performs underwriting activities under the supervision and support of senior management.

Ms. Rizwana has good verbal and written communication skills to interact with all levels of internal and external clients. She applies underwriting rules and guidelines, insurance laws and regulations while issuing policies. Ensures proper classification of risks and the matching of price and product to the customer. Works cooperatively with sales and other departments to share and gather information necessary to complete her duties.

Ms. RizwanaAsiff
D: +971 4 706 1912
M: +971 50 860 9289

Ms. Joy Ninofranco - Health Specialist

Born in April 1972 and graduated in Bachelor of Commerce from Philippine University, Philippines. She possess 20 years of immense experience and expertise in handling Health Insurance.

Ms. Joy analyzes complex information and interpret to reach comprehensive medical and financial assessments. Effectively uses medical expert's guidance on complex medical information. Assist underwriters by identifying and assessing personal lines risk.

She proposes policies for individuals and groups health insurances after thorough analysis of client's requirements. Utilizes a combination of other carrier experience and strives to simplify the connection between health, care, and value for our customers.

Joy Ninofranco
D: +971 4 706 1921
M: +971 50 395 6576

Mr. Don Moras - Chief Financial Officer

Born in September 1980 and graduated in Bachelor of Commerce from Mangalore University, India. He is a results-driven business analyst and qualified finance professional with over 10 years' of experience working with high-profile insurance organisations.

Mr. Don is analytical with strong systems skills, financial reporting systems that facilitate better business decisions. He identifies cost saving strategies in order to increase revenue.

He assess the company's financial position and create financial reports which helps management in taking major decisions. He keeps vigil on general economic, business, and financial conditions and their impact on the organization's policies and operations.

Don Moras
D: +971 4 706 1906
M: +971 56 114 6461

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